Give yourself and your family the best
Don’t let the unexpected leave you unprepared. Family Protector consists of term life protection and your choice of cover from critical illness to hospital cash.
Key benefits
Comprehensive protection
Life coverage of up to HKD7 million[@insurance-underwriting-limit], no health examination needed!
Top up your protection
Pay extra to add up to 4 of these benefits to your plan: accidental death, critical illness, cancer, child protection, and hospital cash
Easy to budget for
The monthly premiums for your basic plan and additional benefits are at a fixed rate that's adjusted every 10 years[@10yearsfixedpremium]
Apply online easily
Apply in just a few simple steps, on your computer or your phone, any time
Special offers — Enjoy 67% off online with 'SAVE8M'
- Apply online with the promo code 'SAVE8M' to enjoy an 8-month first-year premium waiver. T&Cs apply.
- Enjoy special first-year premium discount with the code found in the latest version of PayMe app. T&Cs apply.
- Well+ members can enjoy 9-month waiver on their first-year premium, T&Cs apply; Plus, earn up to $100 RewardCash when you complete the 'Get Insured Online Challenge'. T&Cs apply.
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*Average monthly premium in first year is calculated by the total first-year premium minus total premium waiver and divided by 12 months.
The amount shown includes the levy and is subject to rounding adjustments. It is indicative and for reference only.
Enhance your cover with additional benefits
Additional benefits | What you get |
From |
Policy documents |
---|---|---|---|
Critical illness and cancer protection |
Additional lump sum to spend at your discretion if diagnosed with a critical illness. Choose the cancer or critical illness benefit, and from 3 coverage levels: HKD500,000, HKD1 million or HKD1.5 million. |
From HKD1.69 / day[@criticalillnessillustrativeexample] for critical illness coverage of HKD1.5 million | |
Hospital cash benefit | Daily cash payments of either HKD800 or HKD1,600 if you are hospitalised, per your coverage level. Get double the amount if you need intensive care or are hospitalised abroad[@hospitalcash]. | From HKD2.72 / day[@hospitalcashbenefitillustrativeexample] for daily hospital cash payments of HKD1,600 |
Hospital cash benefit policy provisions (PDF, 258KB) |
Child protection | HKD500,000 death benefit, HKD500,000 cancer benefit payable upon a cancer diagnosis, and a hospital cash benefit of HKD400 a day per any one period of the covered disability[@disabilitydefinition] for each of the insured's children[@childrendefinition] (including any they may have in the future). | For just HKD3.26 / day | Child protection policy provisions (PDF, 277KB) |
Accidental death benefit | An additional coverage, equivalent to 50% of the basic plan, for your beneficiaries if you pass away from an accident. |
From HKD0.04 / day[@accidentaldeathbenefitillustrativeexample] | Accidental death benefit policy provisions (PDF, 240KB) |
Additional benefits | Critical illness and cancer protection |
---|---|
What you get |
Additional lump sum to spend at your discretion if diagnosed with a critical illness. Choose the cancer or critical illness benefit, and from 3 coverage levels: HKD500,000, HKD1 million or HKD1.5 million. |
From |
From HKD1.69 / day[@criticalillnessillustrativeexample] for critical illness coverage of HKD1.5 million |
Policy documents | |
Additional benefits | Hospital cash benefit |
What you get |
Daily cash payments of either HKD800 or HKD1,600 if you are hospitalised, per your coverage level. Get double the amount if you need intensive care or are hospitalised abroad[@hospitalcash]. |
From |
From HKD2.72 / day[@hospitalcashbenefitillustrativeexample] for daily hospital cash payments of HKD1,600 |
Policy documents | Hospital cash benefit policy provisions (PDF, 258KB) |
Additional benefits | Child protection |
What you get |
HKD500,000 death benefit, HKD500,000 cancer benefit payable upon a cancer diagnosis, and a hospital cash benefit of HKD400 a day per any one period of the covered disability[@disabilitydefinition] for each of the insured's children[@childrendefinition] (including any they may have in the future). |
From |
For just HKD3.26 / day |
Policy documents | Child protection policy provisions (PDF, 277KB) |
Additional benefits | Accidental death benefit |
What you get |
An additional coverage, equivalent to 50% of the basic plan, for your beneficiaries if you pass away from an accident. |
From |
From HKD0.04 / day[@accidentaldeathbenefitillustrativeexample] |
Policy documents | Accidental death benefit policy provisions (PDF, 240KB) |
Suggested articles
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How to apply
Eligibility
To apply for HSBC Family Protector, you'll need to meet all these requirements:
- be aged[@birthdaydefinition] between 19 and 60
- hold an existing HSBC HKD bank account or credit card
- apply with the HKID you used to open your HSBC account
- meet our requirements for nationality (country/region/territory), address and residency such as restrictions on US, mainland China and Japan—which may be subject to change from time to time
HSBC Family Protector is a term life insurance plan with no savings element underwritten by HSBC Life (International) Limited. It is not equivalent or similar to bank deposit. Policyholders are subject to HSBC Life's credit risk.
Useful documents
Apply now
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Hassle free claims
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